Compared to others, we have it perfected

During our 30 years together, me and the world's most perfect husband have worked out a system that works perfectly for us. We have never sat down and divided the household chores, it became more of a natural division over the years.

For example, our maid only comes every two weeks, so my husband vacuums and scrubs our toilets between these times. In addition to this, he also cooks all the food, except for the breakfast that I prepare. I wash, do dishes, iron and keep our home tidy.

This is an almost perfect system except for the small detail that my husband must suffer from some kind of defect. I want the sink to be completely empty, i.e. no dishes, whether clean or dirty, should be there. Furthermore, we have 2 dishwashers so there is absolutely no reason to put dirty dishes there. Regardless of the time of day, I can always, without exception, walk into the kitchen and find dirty dishes on the sink.

Although this trait drives me crazy every now and then and makes me want to bite his head off, I love him deeply, with all his faults and flaws. He, on the other hand, has a much easier life as I am completely free from any errors and shortcomings.😉

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Unions are more concerned with politics than their core business

On June 5, 2024, Vardforbundet, a Swedish Healthcare Union for midwives, biomedical analysts, radiology nurses and nurses, chose to take its members out on strike due to excessive workloads with a lot of overtime. After 64 days of labor market conflict, the strike was called off after both the union and the employer had to compromise on their demands.

Omni, a Swedish news service, wrote an article on October 28, 2024 about shortcomings in the Swedish healthcare system in 2023 with catastrophic consequences quote "Last year 100 people died as a result of not receiving care at the right level and by staff with the right skills. It shows a review of incoming lex Maria notifications carried out by the professional association Sjukhuslakarna." unquote.

On the same day that Omni reports that Swedes are dying while being on waiting lists, Vardforbundet makes a statement asking the Swedish government for permission to receive and treat patients from Gaza, which the Swedish government decline. In my personal opinion, such a statement is just a political flirtation.

Roughly simplified, politics is about putting different groups against each other. Politics is largely about distributing the tax money that is available and distributing it among all the different groups that hope to get a share of the pie.

With Vardforbundet's statement, it can be concluded that there is no health care crisis and the health care has both space and time to treat foreign citizens. Or the Vardforbundet chooses to value the lives of foreign citizens more highly than Swedish ones because it is proven that people die in both places for lack of adequate care.

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Both sleep so well it's almost provocative

On the night between last Saturday and Sunday, Sweden turned the time back one hour to standard time AKA "winter time". Usually these changes don't affect me at all but this time my body refuses to accept the time change and I've been waking up at 4:40 a.m. every morning since. The world's most perfect husband, on the other hand, sleeps like a baby.

That the time change would not affect the world's most perfect teenager in the slightest was written in stone. As a teenager, he can sleep for 20 hours straight only to wake up and then go back to sleep for another 20 hours.

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Group 2 - Q4, special dividend

In the second month of Q4, one of our holdings gives an extra dividend, no matter how small the payout, we see every extra penny we "get" as a bonus.

Hercules Capital, Inc. Common Stock (HTGC), ¢8 with payment date November 20, 2024

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All you can be sure of is that everything is changeable

10 days ago it became impossible to acquire the majority of American BDCs in Sweden. It's no problem if I want to sell them. Avanza and Nordnet stated that the reason for this "new normal" was a change in the reference data they receive for this type of securities. Both online banks load reference data from a subcontractor and it is precisely this data that they base their platform on, more precisely the MiFID II and PRIIP regulations. The process is more or less automatic.

The change meant that the securities received a different CFI code, where the shares are now classified as closed-end funds. It differs in regulatory requirements and documentation standards between the US and the EU. Since the Swedish online banks cannot provide a fact sheet according to the regulations, this means that the banks are not allowed to distribute these investment products. The result is that Swedes are no longer allowed to buy these securities.

Since before, Swedes are completely restricted from acquiring ETFs based in America due to the same reason. If this continues, there will soon be no American securities left for us Swedes to buy. It was in the nick of time that we became qualified as a professional investor with one of our banks and and can at least continue our acquisitions with them. But I feel for anyone who can't.

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